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About

At Merit Financial, our mission is to provide you, a NJ homeowner with an affordable and attainable mortgage. We utilize our knowledge and experience to recommend the most appropriate loan to accomplish your goals, through an honest, personal and stress free process.

Since opening our doors in 1986 as a licensed NJ mortgage lender, Merit Financial has relied on simple but effective principles of business to fund over $2 Billion in loans with an impeccable record. As a family owned and operated business we make it our number one goal to best serve our clients and their families as if they were a part of our own.

Our staff is small so that we can work together closely, avoiding miscommunications or delays between departments while minimizing overhead, freeing you from many junk fees you can be charged by other lenders or brokers. Our process is not only efficient from application to funding, but most importantly affordable!

The basis of our business is our longstanding relationships with our investors. For over 35 years our professional and personal relationships result in seamless, direct communication between mortgage departments, heads of banks and our various lending institutions. With this communication we are able to go farther for our clients in difficult situations than most lenders.

The personal experience we seek to provide our clients continues after closing your loan as well. Merit’s loans are serviced by local NJ lenders who will hold your mortgage for the duration of its term, so you can always have direct access and deal with the same people for as long as you have your loan!

Lastly, our sense of community and continuity extend beyond the closing of each loan. We look forward to our 10th conversation with a client as much as our first. If you have an interest in finding out more about how we can help you, please – do not hesitate to contact us! We look forward to hearing from you!

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Wanted to say thanks for all the effort in helping us with the loan for our home. I think it would have been difficult to get the loan without your help. I would certainly recommend Merit to anyone I know looking to buy a home.

Truman B

Call us at 1-973-331-5600